Terms & Conditions

Effective Date: April 10, 2026
Company: COSMO WISDOM LTD
Company Number: 17073780
Registered Address: 265 Wimbledon Park Road, London, United Kingdom, SW19 6NW

1. Introduction

These Terms and Conditions govern your access to and use of the website operated under the name Cosmo Wisdom and any purchases made through it. By using the Website, creating an account, placing an order, or otherwise interacting with the Website, you agree to be bound by these Terms and Conditions. If you do not agree with these Terms and Conditions, you must not use the Website.

These Terms and Conditions apply to all visitors, users, and customers of the Website, including individuals browsing the catalogue, registering an account, placing an order, or contacting us through the Website.

Cosmo Wisdom is an online retail store offering physical products, including but not limited to tarot cards, oracle cards, amulets, crystals, pendulums, magic balls, books, mats, boards, accessories, ritual items, and related spiritual or decorative goods.

2. About Us

The Website is owned and operated by COSMO WISDOM LTD, a company incorporated and registered in England and Wales under company number 17073780, with its registered office at 265 Wimbledon Park Road, London, United Kingdom, SW19 6NW.

If you have any questions about these Terms and Conditions, your order, or the Website generally, you may contact us at [email protected]

3. Eligibility to Use the Website

You may use the Website only if you are legally capable of entering into a binding contract under the laws applicable in your place of residence. By placing an order through the Website, you confirm that the information you provide is accurate, complete, and up to date, and that you are authorised to use the selected payment method.

If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activity carried out under your account. You must notify us promptly if you believe your account has been accessed without authorisation.

We reserve the right to suspend or terminate access to the Website or any account where we reasonably believe there has been misuse, fraud, unauthorised access, or a breach of these Terms and Conditions.

4. Nature of the Products

The Website sells physical retail goods. Products offered on the Website may include symbolic, spiritual, ritual, decorative, collectible, educational, or gift items. Any descriptions referring to symbolism, spirituality, inspiration, tradition, ritual, mindfulness, intuition, energy, or similar concepts are provided for general informational, cultural, artistic, or entertainment purposes only.

Unless expressly stated otherwise, products sold on the Website are not intended to diagnose, treat, cure, or prevent any disease, medical condition, mental health condition, or personal circumstance. Nothing on the Website constitutes medical, psychological, legal, financial, or other professional advice. Customers purchase and use products at their own discretion and responsibility.

5. Product Descriptions and Images

We aim to ensure that product descriptions, specifications, images, and prices displayed on the Website are accurate and current. However, slight variations may occur. In particular:

• colours, textures, finishes, dimensions, and packaging may appear differently depending on screen settings, photography, lighting, manufacturing updates, or natural variation;
• handcrafted, natural, or stone-based items may differ slightly in colour, pattern, size, weight, or appearance;
• decorative props shown in images may not be included unless expressly stated in the product description.

Product images are for illustrative purposes only. While we make reasonable efforts to display products as accurately as possible, we do not warrant that the product images, descriptions, or other content on the Website will be entirely error-free, complete, or current at all times.

We reserve the right to correct any errors, inaccuracies, or omissions and to update product information at any time without prior notice.

6. Availability of Products

All products are offered subject to availability. Inclusion of a product on the Website does not guarantee that it is in stock, available for immediate dispatch, or will remain available.

We reserve the right, at any time and without prior notice, to limit the quantities of any products offered, discontinue products, withdraw listings, or refuse any order where stock is unavailable, pricing is clearly erroneous, or fraud or misuse is suspected.

If an item becomes unavailable after you place an order, we may contact you with updated options, including waiting for restock, substituting where appropriate, partially fulfilling the order, or cancelling the affected item and issuing a refund for that item.

7. Account Registration

Certain functions of the Website may require or permit account registration. When registering, you agree to provide truthful, accurate, complete, and current information and to keep that information updated at all times.

You are responsible for ensuring that your password and account credentials remain secure. Any action taken through your account will be treated as your action unless and until you notify us of unauthorised use.

You are also solely responsible for the accuracy of the personal, contact, billing, shipping, and account information you provide to us. This includes, without limitation, your email address, telephone number, delivery address, and any other information submitted through the Website. If you provide incorrect, incomplete, outdated, or inaccessible contact details, we shall not be responsible for any consequences arising from this, including where you do not receive order confirmations, responses to your enquiries, service communications, shipping updates, account-related notices, or any other message sent by us in connection with your request, account, or order.

We may suspend or terminate accounts that contain false information, are used in violation of these Terms and Conditions, or are associated with suspicious, unlawful, abusive, or fraudulent conduct.

8. Orders and Contract Formation

The display of products on the Website constitutes an invitation to treat and not a binding offer to sell. When you place an order, you are making an offer to purchase the selected products subject to these Terms and Conditions.

After you submit your order, you may receive an automated confirmation acknowledging receipt of your order request. This acknowledgement does not mean that your order has been accepted.

A legally binding contract is formed only when we accept your order and dispatch the products, or otherwise expressly confirm acceptance. We reserve the right to refuse any order, including where:

• a product is unavailable;
• there is an error in pricing or product information;
• we are unable to obtain payment authorisation;
• we reasonably suspect fraud, abuse, unauthorised resale, or unlawful activity;
• shipping restrictions or legal restrictions prevent fulfilment.

If we reject or cancel an order before dispatch, any payment successfully received in respect of that order will be refunded through the original payment method, subject to the payment processor’s timelines.

9. Prices, Currency, and Taxes

All prices displayed on the Website are shown in the currency indicated on the relevant page. Unless otherwise expressly stated, all prices displayed on the Website include VAT where applicable.

Any additional information regarding shipping fees, customs duties, import charges, local taxes, or other delivery-related costs, where applicable, shall be set out in our Delivery Policy.

We reserve the right to change prices at any time before an order is accepted. Price changes will not affect orders already accepted, except where a clear pricing error has occurred.

If a product has been listed at an obviously incorrect price due to a typographical error, technical malfunction, or administrative mistake, we are not obliged to supply it at that price. In such cases, we may cancel the order and refund any amount paid.

10. Payment Processing

We do not collect, store, or process your full payment card data on our own servers. All payments are processed by an independent third-party payment service provider. By submitting payment information, you acknowledge that your payment is handled by that third party in accordance with its own terms, conditions, and privacy practices.

We are not responsible for payment failures, payment gateway outages, bank declines, card issuer restrictions, fraud checks, chargebacks initiated by third parties, or verification steps required by the payment provider.

Your order will not be processed until payment authorisation has been successfully completed. Where the payment processor declines, reverses, or fails to confirm a transaction, we may suspend processing or cancel the order.

11. Delivery and Shipping

We dispatch physical products to the delivery address provided by you at checkout. You are solely responsible for ensuring that the delivery information is accurate, complete, and capable of receiving the shipment.

Estimated processing and delivery times, where stated, are approximate only and are not guaranteed unless we expressly agree otherwise in writing. Delivery times may vary depending on stock status, destination, courier capacity, weather, customs checks, carrier delays, peak periods, public holidays, and other factors beyond our control.

We are not liable for delay caused by:

• inaccurate address details provided by the customer;
• failed delivery attempts due to recipient absence;
• customs delays, import inspections, or local clearance procedures;
• courier disruptions or events outside our reasonable control.

Risk in the goods passes to you upon delivery, or upon the goods being made available for delivery where you or your designated recipient fail to take delivery. Ownership of the goods passes only once we have received payment in full for the relevant products and any applicable charges.

If a parcel is returned to us because the delivery address was incorrect, the parcel was unclaimed, or delivery was repeatedly unsuccessful, we may charge additional shipping costs before resending it.

12. International Orders

We may, at our discretion, accept orders for delivery outside the United Kingdom. International customers are responsible for ensuring that products ordered may lawfully be imported into their destination country.

Any customs duties, import VAT, brokerage fees, clearance charges, local taxes, or other governmental charges imposed in the destination country are the customer’s responsibility unless expressly stated otherwise at checkout.

We are not responsible for delays, seizures, refusals, destruction of goods, or additional charges imposed by customs authorities or other regulatory bodies outside the United Kingdom.

13. Right to Cancel for Consumers

If you are a consumer purchasing at a distance, you may have a legal right to cancel your order within 14 days of receiving the goods, subject to the exceptions set out by law. To exercise your cancellation right, you must clearly inform us of your decision to cancel within the applicable period. UK distance-selling rules generally require traders to provide pre-contract information and a 14-day cancellation period for most online consumer goods contracts, with certain exceptions.

If you validly cancel within the cancellation period, you must return the goods to us without undue delay and in accordance with our return instructions. Unless otherwise agreed or legally required, you are responsible for the cost of returning cancelled goods.

We will process any refund due within the time required by applicable law after receiving the returned goods or receiving evidence that the goods have been sent back, whichever is earlier as permitted by law.

14. Exceptions to Cancellation Rights

Your statutory right to cancel may not apply, or may be lost, in certain situations permitted by law. This can include, for example:

• goods made to your specifications or clearly personalised;
• sealed goods that are not suitable for return for health protection or hygiene reasons once unsealed;
• goods that become mixed inseparably with other items after delivery;
• other categories excluded by applicable law.

For ordinary consumer returns, online purchases usually carry cancellation rights, but UK law recognises exceptions such as personalised items and unsealed goods that are unsuitable for return for health or hygiene reasons.

This clause does not affect your rights if the goods are faulty, damaged, not as described, or otherwise do not conform to the contract.

15. Condition of Returned Goods

Where goods are returned following cancellation, you must take reasonable care of them and return them in a condition consistent with normal inspection. We may make an appropriate deduction from the refund where the value of the goods has been diminished by handling beyond what is necessary to establish their nature, characteristics, and functioning, to the extent permitted by law.

Returned items should be securely packaged and include proof of purchase or sufficient information for us to identify the order.

16. Faulty, Damaged, or Incorrect Goods

Nothing in these Terms and Conditions limits or excludes any non-excludable statutory rights you have as a consumer. Under UK consumer law, goods supplied by a trader must be of satisfactory quality, fit for purpose, and as described, and those rights cannot be excluded by contract.

If you receive goods that are faulty, damaged, defective, or not as described, you should contact us promptly with your order details and evidence of the issue. Depending on the circumstances and your legal rights, you may be entitled to a repair, replacement, price reduction, or refund.

We may ask for photographs, batch details, packaging information, or return of the goods in order to assess the issue. We reserve the right to inspect returned items before confirming the appropriate remedy, except where applicable law provides otherwise.

17. Returns Procedure

To request a return, cancellation, or report a fault, please contact us at [email protected] with the following information:

• your full name;
• order number;
• product name;
• date of delivery;
• reason for return;
• photographs where relevant.

We may provide return instructions, a return address, or additional handling guidance depending on the type of item and the nature of the issue. Goods must not be returned to any address unless instructed by us. Failure to follow return instructions may delay processing.

Full details regarding returns, cancellations, refunds, eligibility conditions, and applicable procedures are set out in our Return & Refund Policy.

18. Refunds

Approved refunds will be issued to the original payment method used for the transaction unless otherwise required by law. We do not charge a fee for issuing a refund where one is legally due.

Refund processing times may vary depending on the third-party payment processor, card issuer, bank, or payment method used. Once initiated by us, the time for funds to appear in your account is outside our direct control.

Where only part of an order is cancelled or returned, the refund will relate only to the affected item or items, together with any delivery element where required by law.

19. Customer Responsibilities

You agree that you are responsible for:

• providing accurate billing, account, and delivery information;
• reviewing the product description before purchase;
• ensuring the products ordered are suitable for your intended use;
• using products safely, lawfully, and in accordance with any care or usage instructions;
• checking whether local laws, customs rules, or import restrictions apply in your jurisdiction.

We are not liable for issues arising from incorrect customer-provided information, misuse of products, improper storage, failure to follow instructions, or use of products for unintended, unsafe, or unlawful purposes.

20. Product Use Disclaimer

MANY PRODUCTS SOLD ON THE WEBSITE ARE SYMBOLIC, DECORATIVE, SPIRITUAL, RITUALISTIC, OR COLLECTIBLE IN NATURE. THEY ARE NOT SOLD WITH ANY GUARANTEE OF PERSONAL OUTCOMES, ENERGETIC OUTCOMES, EMOTIONAL OUTCOMES, SPIRITUAL OUTCOMES, OR FUTURE RESULTS.

NO STATEMENT ON THE WEBSITE SHOULD BE INTERPRETED AS A PROMISE THAT ANY PRODUCT WILL BRING LUCK, PROTECTION, HEALING, CERTAINTY, FORESIGHT, SUCCESS, ROMANTIC OUTCOMES, FINANCIAL OUTCOMES, OR ANY COMPARABLE RESULT. PRODUCT MEANINGS AND DESCRIPTIONS MAY REFLECT FOLKLORE, HISTORICAL ASSOCIATIONS, TRADITIONAL SYMBOLISM, OR AESTHETIC CONCEPTS ONLY.

CUSTOMERS ARE RESPONSIBLE FOR EXERCISING JUDGMENT AND DISCRETION IN HOW PRODUCTS ARE USED.

21. Prohibited Uses

You may not use the Website:

• in any unlawful manner or for any unlawful purpose;
• to commit fraud or attempt to obtain products or refunds dishonestly;
• to interfere with or disrupt the Website, its servers, or its security;
• to upload malicious code, spam, or harmful content;
• to infringe intellectual property rights or privacy rights;
• to collect data from the Website by automated means without permission;
• to impersonate another person or misrepresent your identity.

We reserve the right to suspend access, refuse service, cancel orders, and take appropriate action where prohibited use is suspected.

22. Intellectual Property

All content on the Website, including text, graphics, logos, icons, images, product descriptions, design elements, layout, website structure, branding, downloadable materials, and software, is owned by or licensed to COSMO WISDOM LTD and is protected by intellectual property laws.

You may access and use the Website for personal, non-commercial shopping purposes only. You must not reproduce, copy, distribute, modify, publish, scrape, exploit, or otherwise use Website content without our prior written consent, except as permitted by law.

Nothing in these Terms and Conditions grants you any licence or right to use our trade names, branding, logos, or content beyond ordinary personal use of the Website.

23. Promotions, Discounts, and Gift Offers

From time to time, we may offer discount codes, promotional campaigns, bundles, or special offers. Such offers are subject to any additional terms stated at the time of the promotion.

Unless otherwise stated:

• promotions cannot be combined;
• discount codes have no cash value;
• promotions are valid only during the stated period;
• we may modify or withdraw promotions where necessary to address error, abuse, or stock limitations.

Any decision to honour a promotional offer remains subject to availability, fraud screening, and compliance with the relevant campaign terms.

24. Limitation of Liability

Nothing in these Terms and Conditions excludes or limits liability that cannot lawfully be excluded or limited, including liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or breach of mandatory consumer rights.

Subject to the above, to the maximum extent permitted by law:

• we shall not be liable for indirect, incidental, special, or consequential loss;
• we shall not be liable for loss of profit, loss of revenue, loss of opportunity, loss of goodwill, or loss of anticipated savings;
• we shall not be liable for any loss arising from your misuse of products, your reliance on symbolic or spiritual descriptions, or your failure to follow product care or safety instructions;
• our total liability in relation to any order shall not exceed the total amount paid by you for the relevant product or products giving rise to the claim.

This limitation applies whether the claim arises in contract, tort, statute, or otherwise, except where prohibited by law.

25. Privacy and Data Protection

Your use of the Website is also governed by our Privacy Policy and Cookies Policy, which explain how we collect, use, and protect personal data. By using the Website, you acknowledge that personal data may be processed in accordance with those policies.

Payment card data is handled by third-party payment providers rather than being collected directly by us in full.

26. Third-Party Links and Services

The Website may contain links to third-party websites, services, or platforms, including payment providers, courier services, social media services, or other external content. Such third-party services are not under our control, and we are not responsible for their content, availability, security, or practices.

Your use of third-party websites or services is governed by the terms and policies of those third parties.

27. Force Majeure

We shall not be liable for any failure or delay in performing our obligations where that failure or delay results from events outside our reasonable control. Such events may include acts of God, weather events, fire, flood, pandemic, epidemic, war, civil unrest, labour disputes, supply chain disruption, power failure, cyberattack, transport interruption, governmental action, customs delay, or courier interruption.

Where such an event occurs, we may suspend performance for the duration of the event and for a reasonable recovery period thereafter.

28. Complaints and Dispute Resolution

If you have a complaint, we encourage you to contact us first at [email protected] so that we can attempt to resolve the matter promptly and fairly.

Nothing in these Terms and Conditions prevents consumers from seeking remedies through courts or processes available under applicable law.

29. Changes to These Terms

We reserve the right to update or amend these Terms and Conditions at any time. Changes will take effect once published on the Website, unless a later effective date is stated.

The Terms and Conditions in force at the time your order is placed will generally apply to that order.

30. Severability

If any provision of these Terms and Conditions is found by a court or competent authority to be unlawful, invalid, or unenforceable, that provision shall be deemed severed and the remainder of the Terms and Conditions shall continue in full force and effect.

31. No Waiver

If we delay or fail to enforce any right or provision under these Terms and Conditions, that shall not constitute a waiver of that right or provision.

32. Entire Agreement

These Terms and Conditions, together with any policies or documents expressly referred to in them, constitute the entire agreement between you and COSMO WISDOM LTD in relation to your use of the Website and the purchase of products through it, except for any rights you have under mandatory law that cannot be excluded.

33. Governing Law and Jurisdiction

These Terms and Conditions and any dispute or claim arising out of or in connection with them, their subject matter, or their formation shall be governed by the laws of England and Wales.

If you are a consumer, you may also benefit from any mandatory provisions of the law of the country in which you reside. The courts of England and Wales shall have jurisdiction except where mandatory consumer law provides otherwise.

34. Contacts

If you have any questions regarding these Terms and Conditions, you may contact us using the details below:

COSMO WISDOM LTD
Registered Address: 265 Wimbledon Park Road, London, United Kingdom, SW19 6NW
Email: [email protected]